The reason is that some life insurance agents only represent certain life insurance companies or even only a single company which limits your choices. (termlifeinsurancemales.com)
That's because certain life insurance companies are just more favorable to different demos and / or conditions than others. (policygenius.com)
The underwriters at certain life insurance companies do not even care about an irregular heartbeat after age 55. (heartlifeinsurance.com)